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Chemung Financial CorporationNasdaqGS:CHMG Stock Report

Market Cap US$400.0m
Updated 1h ago
Share Price
n/a
1Y56.4%
7D-2.5%
1D0.4%
Portfolio Value
​
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Chemung Financial Corporation

NasdaqGS:CHMG Stock Report

Market Cap: US$400.0m

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

Chemung Financial (CHMG) Stock Overview

Operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. More details

CHMG fundamental analysis
Snowflake Score
Valuation2/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 18.5% below our estimate of its fair value

Earnings are forecast to grow 11% per year

Earnings grew by 192.9% over the past year

Pays a reliable dividend of 1.64%

Risk Analysis

Significant insider selling over the past 3 months


CHMG Community Fair Values

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US$
Current Price
US$82.974.9% undervalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0180m2016201920222025202620282031Revenue US$180.2mEarnings US$51.3m
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Chemung Financial Corporation Competitors

Avidia Bancorp

Symbol: NYSE:AVBC
Market cap: US$410.2m

Parke Bancorp

Symbol: NasdaqCM:PKBK
Market cap: US$402.7m

Commercial Bancgroup

Symbol: NasdaqCM:CBK
Market cap: US$450.6m

MVB Financial

Symbol: NasdaqCM:MVBF
Market cap: US$396.3m

Price History & Performance

Summary of share price highs, lows and changes for Chemung Financial
Historical stock prices
Current Share PriceUS$82.97
52 Week HighUS$86.00
52 Week LowUS$49.82
Beta0.59
1 Month Change0.33%
3 Month Change16.91%
1 Year Change56.37%
3 Year Change110.05%
5 Year Change88.01%
Change since IPO3,936.38%

Recent News & Updates

Seeking Alpha • Jul 27

Chemung Financial Corporation: Turnaround Confirmed

Summary Chemung Financial Corporation is rated Buy due to strong commercial loan growth and balance sheet restructuring, driving a 54% share price increase over the past year. CHMG's net interest margin reached a six-year high at 3.67%, with 67% of interest-bearing assets now in higher-yielding commercial loans, supported by Western NY tech buildout. The stock trades at an 8% discount to the sector median and a 14% discount to close peers, despite projected EPS growth 11% above the sector median. Key risks include heavy commercial loan exposure and reliance on the Albany-Buffalo tech supply chain buildout; any slowdown could pressure earnings and valuation. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Jul 27

Chemung Financial Corporation: Turnaround Confirmed

Summary Chemung Financial Corporation is rated Buy due to strong commercial loan growth and balance sheet restructuring, driving a 54% share price increase over the past year. CHMG's net interest margin reached a six-year high at 3.67%, with 67% of interest-bearing assets now in higher-yielding commercial loans, supported by Western NY tech buildout. The stock trades at an 8% discount to the sector median and a 14% discount to close peers, despite projected EPS growth 11% above the sector median. Key risks include heavy commercial loan exposure and reliance on the Albany-Buffalo tech supply chain buildout; any slowdown could pressure earnings and valuation. Read the full article on Seeking Alpha
Analysis Article • May 27

Shareholders May Be More Conservative With Chemung Financial Corporation's (NASDAQ:CHMG) CEO Compensation For Now

Key Insights Chemung Financial to hold its Annual General Meeting on 3rd of June CEO Anders Tomson's total compensation...
Analysis Article • Nov 23

Chemung Financial (NASDAQ:CHMG) Is Due To Pay A Dividend Of $0.31

The board of Chemung Financial Corporation ( NASDAQ:CHMG ) has announced that it will pay a dividend of $0.31 per share...
Analysis Article • May 29

We think Chemung Financial Corporation's (NASDAQ:CHMG) CEO May Struggle To See Much Of A Pay Rise This Year

Key Insights Chemung Financial's Annual General Meeting to take place on 4th of June CEO Anders Tomson's total...
Analysis Article • Feb 25

Chemung Financial (NASDAQ:CHMG) Has Affirmed Its Dividend Of $0.31

Chemung Financial Corporation ( NASDAQ:CHMG ) will pay a dividend of $0.31 on the 1st of April. This means that the...
Analysis Article • Dec 13

Chemung Financial (NASDAQ:CHMG) Has Affirmed Its Dividend Of $0.31

The board of Chemung Financial Corporation ( NASDAQ:CHMG ) has announced that it will pay a dividend on the 2nd of...
Analysis Article • Nov 19

Chemung Financial (NASDAQ:CHMG) Is Due To Pay A Dividend Of $0.31

The board of Chemung Financial Corporation ( NASDAQ:CHMG ) has announced that it will pay a dividend on the 2nd of...
Analysis Article • Sep 03

Chemung Financial (NASDAQ:CHMG) Will Pay A Dividend Of $0.31

Chemung Financial Corporation's ( NASDAQ:CHMG ) investors are due to receive a payment of $0.31 per share on 2nd of...
Analysis Article • Aug 20

Chemung Financial (NASDAQ:CHMG) Is Due To Pay A Dividend Of $0.31

The board of Chemung Financial Corporation ( NASDAQ:CHMG ) has announced that it will pay a dividend of $0.31 per share...
Analysis Article • Jul 24

Chemung Financial Corporation Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

It's been a good week for Chemung Financial Corporation ( NASDAQ:CHMG ) shareholders, because the company has just...

Shareholder Returns

CHMGUS BanksUS Market
7D-2.5%-3.6%-0.2%
1Y56.4%11.3%11.9%

Return vs Industry: CHMG exceeded the US Banks industry which returned 11.7% over the past year.

Return vs Market: CHMG exceeded the US Market which returned 12% over the past year.

Price Volatility

Is CHMG's price volatile compared to industry and market?
CHMG volatility
CHMG Average Weekly Movement3.9%
Banks Industry Average Movement3.0%
Market Average Movement6.8%
10% most volatile stocks in US Market15.0%
10% least volatile stocks in US Market2.9%

Stable Share Price: CHMG has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CHMG's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1833348Anders Tomsonwww.chemungcanal.com

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans.

Chemung Financial Corporation Fundamentals Summary

How do Chemung Financial's earnings and revenue compare to its market cap?
CHMG fundamental statistics
Market capUS$400.04m
Earnings (TTM)US$33.30m
Revenue (TTM)US$117.01m
12.0x
P/E Ratio
1.5x
P/B Ratio

Is CHMG overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CHMG income statement (TTM)
RevenueUS$117.01m
Cost of RevenueUS$0
Gross ProfitUS$117.01m
Other ExpensesUS$83.71m
EarningsUS$33.30m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)6.91
Gross Margin100.00%
Net Profit Margin28.46%
Debt/Equity Ratio56.0%

How did CHMG perform over the long term?

See historical performance and comparison

Dividends

1.6%
Current Dividend Yield
20%
Payout Ratio

Does CHMG pay a reliable dividends?

See CHMG dividend history and benchmarks
When do you need to buy CHMG by to receive an upcoming dividend?
Chemung Financial dividend dates
Ex Dividend DateSep 17 2026
Dividend Pay DateOct 01 2026
Days until Ex dividend2 days
Days until Dividend pay date12 days

Does CHMG pay a reliable dividends?

See CHMG dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/19 03:45
End of Day Share Price 2026/09/18 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Chemung Financial Corporation is covered by 3 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopD.A. Davidson & Co.
David KonradKeefe, Bruyette, & Woods
Nicholas HolowkoRaymond James & Associates

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